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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,674 | $30,423+33.7% | $56,025-27.4% | $74,478-45.4% |
| Participation rate | 64.8% | 32.9%+31.9pp | 52.5%+12.3pp | 67.2%-2.5pp |
| Annual return | 12.47% | 24.97%-12.5pp | 1712.69%-1700.2pp | 1370.56%-1358.1pp |
| Employer contribution / active EE | $2,142 | $610+251.0% | $1,042+105.6% | $2,626-18.4% |
| Participant deferral / active EE | $3,397 | $1,176+188.8% | $1,955+73.8% | $4,350-21.9% |
| Admin fee / account holder | $4,042 | $2,363+71.1% | $2,828+42.9% | $1,946+107.7% |